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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

For my birthday, Kanye got me the most thoughtful gift of a lifetime. A special surprise from heaven. A hologram of my dad. ??? It is so lifelike! We watched it over and over, filled with emotion. pic.twitter.com/jD6pHo17KC— Kim Kardashian West (@KimKardashian) October 29, 2020 286

For an artist who's known for his stunts, this could be Banksy's most perfect art world prank.After the gavel fell Friday at Sotheby's auction house in London, Banksy's Girl with Balloon was reduced to shreds -- another apparent act in the disruptive career of the anonymous British graffiti artist.The iconic image of a girl reaching out for a red, heart-shaped balloon, sold for .4 million. Moments later, a shredder hidden inside the "artist's frame" started its work and the art "self-destructed," according to a news release from Sotheby's 554

FRANKLIN, Indiana — Authorities in Indiana are warning people of a scam involving a person who is claiming to be a sheriff's deputy in order to deceive people into sending money.According to a report from the Johnson County Sheriff's Office, a woman came to the Johnson County Jail on Wednesday who said while she was at work she received a call from an individual who claimed to be a sheriff's deputy.The individual told the woman she had a warrant for her arrest due to failure to appear for jury duty selection. The suspect told the woman if she wanted to avoid arrest she needed to pay the fines by purchasing ,000 worth of Apple Store gift cards. The suspect also told the woman she would need to go to the sheriff's office with her receipts to prove her identity.After making the initial purchase in pre-paid gift cards, the suspect informed the woman 0 was not transferred, according to the sheriff's office. The suspect reportedly told the woman to purchase another 0 in pre-paid Apple gift cards. The woman said she was on the phone with the suspect for approximately two hours until all the transactions were made and confirmed. She then drove to the sheriff's office where she was informed she was the victim of a scam.The woman was distraught and told deputies she is recently divorced and the money used from her saving account was being saved for her children's Christmas gifts. 1413

Former Trump campaign aide Sam Nunberg said Monday that he is refusing to comply with a grand jury subpoena in the Russia investigation led by special counsel Robert Mueller."Let him arrest me," Nunberg said in an interview with The Washington Post. "Mr. Mueller should understand I am not going in on Friday."The Post said Nunberg provided the paper with an apparent copy of a subpoena seeking documents related to President Donald Trump and nine others, and that Nunberg said he was asked to appear before the grand jury in Washington on Friday.The Trump campaign fired Nunberg in August 2015 after a series of racist Facebook posts came to light, and Nunberg indicated in interviews Monday there was still bad blood between the President and him but that he did not want to spend time cooperating with the investigation and Trump is right to call the probe a "witch hunt.""They want me to come in to a grand jury for them to insinuate that Roger Stone was colluding with Julian Assange," Nunberg said on MSNBC, referencing Stone, a controversial Trump ally, and Assange, the founder of WikiLeaks.He continued, "Roger was my mentor. Roger is like family to me. I'm not going to do it." 1210